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DSCR Loan Calculator

See where your property stands before you apply. Enter a few numbers and get your estimated DSCR ratio, monthly payment, and total debt service — instantly, free, no sign-up.

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Run the Numbers

Estimate Your DSCR in Under a Minute
Estimated Monthly Payment (P&I)
—
Total Monthly Debt Service (PITIA)
—
Your DSCR Ratio
—
Enter your numbers and hit calculate to see where you stand.
Get Pre-Qualified

This calculator provides an estimate for informational purposes only and is not a loan offer, rate lock, or guarantee of qualification. Actual rates, terms, and DSCR requirements vary by lender and program.

The Formula

Rent ÷ Payment
= Your DSCR.

Debt Service Coverage Ratio measures whether a property's rental income covers its own mortgage payment. Divide the monthly rent by the total monthly debt service (principal, interest, taxes, insurance, and HOA) and you have your DSCR.

Unlike a conventional mortgage, a DSCR loan qualifies you using this ratio instead of your personal income — no tax returns, no W-2s.

Reading Your Result

What the Ratio
Actually Means.

A DSCR of 1.0 means the rent exactly covers the payment. Above 1.0 means the property cash-flows on paper; below 1.0 means the rent falls short of the full payment.

1.25+ — Strong 1.0–1.25 — Qualifies Below 1.0 — Ask About No-Ratio
FAQ

DSCR Calculator Questions

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DSCR (Debt Service Coverage Ratio) equals your property's monthly rental income divided by its total monthly debt service (principal, interest, taxes, insurance, and HOA — often called PITIA). A DSCR of 1.0 means the rent exactly covers the payment.
Most lenders consider 1.25 or higher a strong ratio that qualifies for the best pricing. A ratio between 1.0 and 1.25 still qualifies for many programs, typically with a modest pricing adjustment.
A ratio below 1.0 means the rent doesn't fully cover the payment on paper. It doesn't automatically disqualify you — our no-ratio and other non-QM programs are built specifically for this scenario.
It's a solid estimate for planning purposes, using standard amortization math. Your actual rate, program, and DSCR requirement will be confirmed once we review your specific property and scenario.
No — use our pre-filled estimate or your best guess. The calculator updates instantly, so you can test a few different rate and down payment scenarios before applying.

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See? Apply Now.

Take your estimate and turn it into a real pre-qualification — takes about 2 minutes.

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